Customer / Quote — standalone architecture

📖 Flow story — what really happens

Every cross-flow arrow is the same async handoff — no flow calls another directly. 1. The sending flow commits its data row plus an outbox row in one transaction. 2. A relay publishes the event to the event bus (Pub/Sub on GCP · EventBridge→SQS on AWS). 3. The bus's push-subscription POSTs it to the receiving flow's Cloud Run API, which processes it idempotently (duplicates ignored, deduped on event_id). Synchronous reads (e.g. getProductVersion) are plain request/response.

1. The customer/producer opens the portal — a Next.js app on Vercel behind the WAF; it holds no policy data and talks only to the BFF.
2. They enter the address; the BFF makes a synchronous read to Groundwork, the prefill service (request/response), to fill year built, construction, roof, sq ft — facts to confirm, not type. (Full prefill integration spec — vendors, costs, storage, refresh criteria.)
3. They pick a line + form (line of business + policy form — e.g. HO-3 homeowners); another sync read, getProductVersion(line, form, asOfDate), returns the immutable product and the quote workbench (the coverage-selection screen) renders its provisions/options. (How product versioning works — worked example.)
4. The cat-model is called (POST /peril-scores, sync) for wildfire/flood/wind at that exact address; those scores + the prefilled property data set the coverage defaults — every defaulted provision/option traces back to a prefill field (field → provision mapping).
5. The customer edits coverages; each change re-evaluates compliance + risk rules live on the screen (nothing saved yet).
6. On submit, the Quote API (Cloud Run) writes two rows in one transaction: the first append-only record — a submission row (event-sourced: SubmissionCreated), stamped with the cat-model version + as-of date — and an outbox row holding QuoteRequested. Then it commits.
7. The outbox relay publishes QuoteRequested {submission_id, property, coverages, geo} to the event bus.
8. Underwriting's push-subscription delivers it to the Underwriting API (deduped on event_id) — the submission now sits in the underwriter's queue.